Manage My Business Credit

  • CreditBuilder™: Add good payment history to impact your D&B® scores
  • CreditMonitor™: Monitor your credit file in real time with detailed info about changes to your D&B scores
  • CreditSignal®: Receive free alerts to changes in your D&B business credit file

Manage My Business Credit For Me

Monitor Another Company's Credit

Not sure which product is right for your business?

Our Credit Advisors are standing by

to assess your needs and help point
you in the right direction.

Call Today Call 800-700-2733


Ask about our Concierge service.

Business Directory

Business Services

  • VERIFIED™: Get your business data VERIFIED™ to help protect your business identity online
  • Business Shield: Helps protect your company by alerting you to potential warning signs of business identity theft
Help manage your
business identity and
reputation


Let us distribute your VERIFIED
information
to up to 90% of US
consumers searching online.

Call Today Call Today! 800-700-2733

Sign up for FREE today!
Help protect your business identity against inaccuracies and business misrepresentation online and across social media properties
Get it now text

Enterprise Solutions

If your company is looking for a custom enterprise data solution, contact us at
1-800-264-0947 or businessdevelopment@dandb.com
Lead Advisor
Better Data, Better Results
Whether you're a list professional or a first-time marketer, our lead experts will work with you to help you target, segment, and select the list most likely to work for you. Learn More.
Call today 1-855-455-8039

Free D-U-N-S Services

Expedited D-U-N-S Services

  • Small Business Starter™: Promote your business online and get an expedited D-U-N-S and business credit file
  • DUNSFile™: Get a D-U-N-S and basic business credit file in 5 business days or less
Company Update
Update your company info today. It's free!
Review and update your existing D&B® credit report, dispute inaccuracies, add financial statements, and review public filings.

Don't have a D&B report? Get your FREE
D&B D-U-N-S now.
Get Started

Are There Disadvantages to Using a Business Credit Card?

SittingCredit cards offer plenty of advantages for business owners: they can help you keep track of expenses, allow trusted employees to pay for the supplies and services they need, and you can even accumulate rewards that give you free gifts. There certainly are advantages. But what about the disadvantages? Before you get a new credit card for your business, you should know about those as well.

Your Business Credit Cards Could Impact Your Personal Credit History

If you own a company, especially a small business that establishes you as the sole proprietor, then you have ultimate responsibility for your business’s credit card. That is not a problem as long as the credit is used wisely and the bills get paid on time. If you leave those responsibilities to someone else, though, you could find that missed or late payments from your business credit card has harmed your personal credit history.

Business Cards Do Not Offer as Much Protection as Personal Cards

Credit card companies have to follow a lot of federal rules. For instance, they cannot raise their rates unless the card owner has missed payments. More importantly, they cannot harass credit card owners struggling to make payments. The company can send reminders and add penalties, but it cannot have an employee call the card holder and threaten them.

These are good laws that regulate the credit industry and protect consumers from unfair practices. Unfortunately, your business is not protected by the Card Act. When it comes to dealing with your business, credit card companies might not have to follow every rule in the act. After all, rules designed to protect consumers do not necessarily protect businesses.

You can find the full terms of the 2009 Card Act here or a simplified factsheet here.

Should You Use a Business Credit Card?

Business credit cards are very useful, but you have to use them wisely. Do not reach an overwhelming balance that is impossible to repay. In fact, pay your entire balance at the end of each billing cycle if at all possible. Make those payments on time, and keep a close eye on any changes that the credit card company makes to your account. You do, after all, always have the right to eliminate your account and use a company that offers better services.

Photo Credit: J M, Flickr. 

Author:

Matt Thompson has written for numerous online and print publications. He has spent time as an editor for a media research company that supplies marketing materials to some of the country's most influential corporations.